is it worth insuring my puppy. They all seem to have quite a high excess of around £50 and all the treatments i've had so far have been under that. Is it worth it or should i just save the £20 per month for any treatment she needs in the future ?

Hi guest ..it is really up to you ..weigh the pros and cons of Insurance and/or saving the money up :) If you want to , type Insurance into the search engine on the forum and this will bring up lots of past discussions on the subject which might help you :)

HTH

Melody

If you manage to get through the next 10 to 15 years and never have to pay more than £50 you will be incredably lucky. I pay more than that a month just to keep one of mine on the tablets he needs.
Ja:)kie

There is no hard and fast or easy answer to this one. Some people pay out for years on insurance never to make a claim - others don't get insured and have bills running into thousands. I do know people who have "doggy funds" where they save an amount equivalent to an insurance premium in the hope that it will cover any potential costs. It is a risk though.

The main thing to remember about most insurances is that they don't cover the routine visits to the vets such as innoculations, boosters, neutering nail clipping, de-matting etc - but usually cover illness and accidents. So you will normally have to find a certain amount each year come what may. Some will cover your dog for life - others only up to a certain age. What they are consistent with is they will not cover existing conditions - so it's no good changing your mind when fido develops a chronic illness/condition cos you won't get any cover.

I guess it comes down to how much your dog means to you and are you in a position to pay a lot of money should an emergency happen before you get your savings fund up and running.

hth

Pam n the boys

I never had insurance until one of my Boxers had a heart problem and cost a fair bit for treatment. After that I had insurance and although I only used it once it saved me a £700 bill. Even if you decide against vet insurance it is worth making sure you have 3rd party cover. I have up to £2 million with the insurance I have
Anne

I took out insurance for my dogs but i do remember thinking to myself after 4 years about all the money i had paid in insurance and never claimed a thing.
Then one of my dogs broke its leg while playing in the park , even though she is only a small dog the bill came to £1500 and i was so glad to have her insured other wise not sure where i would have found that kind of money.

Sam